Services
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Long-Term Care PlanningOur reality is 70% of those who turn 65 are expected to need some form of long-term care. It may never happen to you, but what would the consequences be to your family, financially, physically and emotionally if you became frail and did require care over a period of years? |
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Life Insurance Strategies During your working years, life insurance protects your family by paying off debt and replacing income if you were to pass away before life expectancy. Policy benefits would allow your family to pay down debt, fund college, replace your income and maintain their lifestyle. Although you are no longer present with them, you are still providing for them. |
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Disability InsuranceMany people consider their savings, investments or real estate to be the greatest financial asset. However, they easily overlook their ability to work and earn an income as the greatest asset. It is your income that provides the lifestyle you enjoy and allows you invest and save. |
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Buy-Sell and Key Person CoverageMany people embrace their dream of owning and operating their own business outright or in a co-ownership arrangement with partners and/or shareholders. They diligently work over the years building the company with the day to day focus of running the company and maximizing the company’s value. |
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Policy ReviewsOften time’s people forget what policies they have and why they purchased it. In some cases their need for a particular policy may no longer exist, and those premium dollars can be repurposed for the coverage they do need. As your responsibilities and financial commitments change during your lifetime so will your insurance needs. |
